Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 29, 2021

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Key Takeaways

  • Car insurance companies will allow you to store a car if you aren’t driving it
  • Comprehensive coverage is needed for cars that are being stored to cover any damages
  • Canceling your car insurance can lead to higher rates down the road

Sometimes drivers need to store a car that won’t be driven. Car insurance companies offer drivers a way to keep insurance while lowering costs.

Finding affordable car insurance companies that will let you store a car is easy since most of the major companies offer comprehensive-only coverage.

Even though comprehensive insurance is pretty inexpensive, you should still shop around to find the best deal.

Enter your ZIP code now to compare free auto insurance quotes from car insurance companies that will let you store a car near you.

What car insurance companies will let you store a car?

You may need to store your car for many different reasons. You might be leaving the country, have a medical condition that will prevent you from driving, or have a hobby car that you won’t be driving.

Whatever the reason, car insurance companies will allow you to store your car and still have minimum coverage. In fact, you can’t really find car insurance companies that don’t let you store a car.

While most states require drivers to carry at least a minimum amount of liability coverage, you don’t need that if you are storing a car. Comprehensive insurance is all you need if your car won’t be moving.

What is comprehensive car insurance?

What is comprehensive car insurance? Simply put, it covers damages that aren’t related to an accident, including:

  • Theft
  • Vandalism
  • Fire
  • Floods, hurricanes, and tornados
  • Falling debris such as hail and tree limbs
  • Damage from an animal

How much is storage insurance on a car? Comprehensive coverage is pretty inexpensive and averages at $12 more per month. 

However, each company charges different rates and has different requirements. For example, car storage insurance from GEICO will look different than the coverage offered by State Farm.

No matter which car insurance company you choose, there are other things you will need to consider as well. Where your car will be stored and what you need to do to get your car ready for storage is also important. Shop around before you buy car insurance to lock in the best rates.

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Should you cancel your car insurance when storing a vehicle?

It can be tempting to just cancel your car insurance completely if your car will be stored. However, that’s not usually the best option.

Do I have to insure my car if I am not driving it? Although you don’t have to carry insurance if your car is stored, it’s not worth it to save a little bit each month by canceling your coverage.

If you don’t have at least comprehensive coverage on your stored car, you will have to pay for repairs or replacement yourself. You will also have to deal with a lapse of coverage when you are ready to get insurance. Car insurance companies like to see continuous coverage so that they can know what type of driver you are.

The one thing you don’t want to do is drive your car without at least the state minimum requirement for car insurance.

According to the Insurance Information Institute, around 12% of drivers are uninsured. That leaves them open to fines, driver’s license suspension, and even jail time.

What You Need to Know About Car Insurance Companies that will Let You Store a Car

Finding car insurance companies that will let you store a car is easy since most offer comprehensive-only coverage.

Comprehensive insurance is only about $12 a month and covers damages like fire, theft, and vandalism.

Shop around to find the best deal on car insurance if you need to store a car. Each company will offer a different rate so look at multiple companies to find your lowest rates.

Enter your ZIP code now to compare auto insurance rates from car insurance companies that will let you store a car for free.